Pre-Decision In Principle Application Form:

Sympathetic To Previous Credit Problems: We Have Lenders That Accept ​Nearly All Types Of Credit.Prime, Light, & Heavy Adverse All Considered.

Details of your property

How Much Would You Like To Borrow?*

Estimated Value Of Your Property?*

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Do You Have any Bad Credit?*

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Get In Touch Today!

​​​What Evolution Money Offer

Borrow up to a maximum of 150% LTV (loan to value) and with no minimum home valuation required

Repayment terms from one year to fifteen years

The early redemption fee is just the equivalent of one month’s interest

Variable rate loans with interest rates starting at 18%

Active Debt Management Plans (DMP) are considered, provided the loan is for debt consolidation by paying off your DMP

IVA (Individual Voluntary Agreement) will be considered if it’s discharged

Ways to reach 1st UK

​GIVE US A CALL

0203 129 3081

​SEND US AN EMAIL

enquiry@1stukmortgages.co.uk

​VISIT OUR OFFICE

329-339 Putney Bridge Road

​​​​​Eligibility Criteria

Minimum net monthly income of £800

Both employed and self-employed are considered

Minimum employment history: One year. Self-employed or employed. They are flexible with regards to the proof of incomes required.

Most benefits can be used to support your affordability assessment

Evolution has no maximum arrears amounts, and there are no restrictions on the number of accounts you have in default to be considered

Borrow for Any Purpose....

Debt Consolidation

Home Improvement

Vehicle Finance

For the Ultimate Special Wedding

Holiday Finance

Even for business purposes

When we say, any purpose loans, it really is. Unlike most lenders who will not approve on a secured loan to be used to fund any type of investing, regardless of your business’s success, Evolution will.

All that’s required is that the principal applicant has a steady and secure monthly net income of £800 and can meet the affordability assessment. As long as you’re not going to pack in your job and use your loan to meet living expenses, you can use the funds released for any purpose.

For any business owner in need of a poor credit secured loan, Evolution Money could be the lender you need to get a new work van, new equipment, hardware or release cash flow to support your business in the short term with flexible repayment terms.

Evolution has their own dedicated Loans Calculator to give you an idea of how much your repayments are likely to be as well as a rough guide on the expected interest rate.

You can find the calculator by following this link. Interest rates are variable and always tailored to the applicant. Use the rates as a guide only.

​​So Why Choose Evolution Money?

​When you’re short of options with multiple lenders turning you away, there’s a high likelihood of acceptance with Evolution. They are a specialist lender and are very well-versed in adverse credit profiles and are incredibly tolerant of the levels of risk they take on.

No matter how severely you feel your credit is impacted, whether by a couple of DMPs, some with defaults, recent CCJs, or IVAs, Evolution will not credit score you, but instead listen to your needs.

All the staff are highly experienced in all aspects of personal finance, secured loans, and know full well that life events happen. No customer is ever a number. You deal directly with the staff, in their UK HQ in Manchester City Centre. They do not outsource customer care to an overseas centre.

What’s more is they don’t ask for much of your time either. The only real eligibility criteria you have to meet is to between the ages of 18 and 70, be in full-time employment, and live in the UK in your own home. Not a rented property, otherwise you couldn’t use it as security.

As long as you’re a homeowner with a full year’s employment history and meet the requirements, you could have your loan approved in days from the staff reviewing your application and forwarding your official binding offer.

Evolution Money is one of the numerous specialist lenders able to approve on poor credit second mortgages. We’ll tell you if there are any better offers on the market, which could save you thousands over the term of your loan.